BDO offers a 6.00% fixed home loan rate in 2026 — but if you took out your loan a few years ago, you may be paying 8% or more. Nook helps you refinance for free and find out exactly how much you could save.
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Why this matters
BDO Unibank is one of the Philippines' largest home loan lenders, and in 2026 their fixed rates start at 6.00% per annum for a 1-year fixing period. This is a significant improvement over the rates many existing borrowers locked in during 2020–2023, when rates commonly ranged from 7.5% to 10%. Understanding BDO's fixing periods and repricing schedule is essential — because once your fixed period ends, your rate resets to whatever the prevailing rate is at that time, which can push your monthly payment up substantially. If your loan has already been repriced once or twice, there's a good chance you're no longer on a competitive rate. You can learn more about the full picture in our BDO home loan interest rate guide for 2026.
Refinancing with BDO — or switching to BDO from another bank — through Nook gives you access to their 6.00% rate without paying broker fees. BDO accepts a wide range of borrower profiles, including private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying income is 50,000 per month, and most approved applications are processed within 30 days. BDO also supports a broad range of loan purposes under refinancing, including home equity takeout and renovation top-ups, giving you flexibility beyond a simple rate reduction. For a full breakdown of what documents and qualifications you'll need, see our complete BDO housing loan requirements guide.
The mechanics of repricing are often misunderstood by Filipino homeowners. When your fixed period ends — whether it's 1 year, 3 years, or 5 years — your bank reprices your loan based on current benchmark rates plus a spread. If market rates have risen since you originally borrowed, your new payment could be hundreds or even thousands of pesos higher each month. Refinancing before or shortly after repricing locks in a fresh competitive rate and resets your fixing period, giving you payment certainty again. With Nook's free mortgage broker service, we compare BDO against other partner banks to make sure you're getting the best available rate — not just the first one offered. Interest rates are subject to change; always verify current rates directly with BDO or through Nook before making a decision.
How it works
Enter your loan details into our calculator. Instantly see what banks are offering right now and how much you'd save each month. No personal information required.
If the numbers make sense, book a free call. Your consultant compares offers from 15+ banks — something that would take you weeks to do on your own — and recommends the best option for your situation.
We manage the entire application, documentation, and bank coordination. You sign where we tell you. Your new lower payment starts next month. Nook's service is completely free — we're paid by the receiving bank.
Common questions
BDO's current fixed home loan rate starts at 6.00% per annum for a 1-year fixing period in 2026. This rate applies to both new purchases and refinancing. Rates are subject to change, so it's best to confirm the latest figures through Nook or directly with BDO before submitting your application.
When your fixed period ends, BDO reprices your loan based on prevailing market rates at that time — which may be higher or lower than your original rate. This repricing can significantly change your monthly payment, sometimes by thousands of pesos. Refinancing around the time of repricing is a smart strategy to lock in a fresh competitive rate and avoid payment shock.
Yes — Nook can help you refinance your existing BDO loan, whether that means staying with BDO at a better rate or switching to another partner bank offering a more competitive deal. Nook's service is completely free for borrowers, and we handle the comparison and application process on your behalf. Many homeowners save over 40,000 per year after refinancing.
BDO accepts applications from private employees, government workers, BPO professionals, OFWs, seafarers, self-employed individuals, and licensed professionals. The minimum qualifying monthly income is 50,000, and your total debt-to-income ratio must not exceed 40%. BDO processes most approved applications within approximately 30 days.
It depends on your current rate, remaining loan term, and the offers available across all lenders at the time you apply. That's exactly why using a broker like Nook is valuable — we compare BDO's rates against other partner banks so you don't have to shop around manually. Nook's service is 100% free, and we help you identify the lender and fixing period that results in the greatest long-term savings for your situation.
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